tenants contents insurance policy booklet by chenmeixiu

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Policy Booklet
Contents                                                                PAGE


Contents Insurance for Tenants                                          2

Definitions                                                             3-5

Cover For Your Contents

        – What is Covered                                               6-7

        – Additional Cover                                              7 - 10

        – Accidental Damage extension to household contents insurance   11

        – Personal Belongings                                           11 - 12

        – Hearings Aids and Wheelchairs                                 12 - 13

        – Tenants Liability Cover                                       13

        – Accidental Death                                              13 - 14

        – Domestic Animals                                              14

        – Claim Settlement                                              14 - 15

        – Third Party Liability                                         16

Conditions which apply to Your Whole Policy                             17 - 18

Exclusions which apply to Your Whole Policy                             19 - 20

Legal Helpline                                                          21

Making a Claim                                                          22

Useful Address and Telephone numbers                                    23

Complaints Procedure                                                    24




                                                                                  1
    Contents Insurance for Tenants
    This Policy is a contract You have made with Us. We will insure You during the Period of
    Insurance under the terms set out in this document if You pay the premium.

    Your Application Form, this booklet, Your Schedule and any Endorsements are all part
    of Your Policy. You should read them together to avoid any misunderstanding. They contain all
    the details of Your cover. You should also pay particular attention to the Conditions and
    Exclusions on pages 17-20 in this booklet.

    Words with special meanings are listed on pages 3 to 5 and these words are printed in bold type
    wherever they appear in the Policy.

    The declaration signed by You on Your Application Form is also part of this contract. You
    must tell Us as soon as possible of any change to the information given on Your Application
    Form. If You do not do this, Your Policy may not be valid. You should not wait until You renew
    Your Policy.

    Your booklet sets out all the circumstances in which You can make a claim. This is not a
    maintenance contract and does not protect You or Your Household against every loss.

    UK Law allows the parties to this contract a choice of the Law applicable to the contract. This
    contract is governed by the Law of Scotland if You live in Scotland and English Law if You live
    elsewhere in the UK except as specified to the contrary elsewhere in Your Policy.

    Policies are underwritten by Royal & Sun Alliance Insurance plc in the United Kingdom.

    For Your protection, telephone calls may be recorded and may be monitored.




                                 Royal & Sun Alliance Insurance plc No. 93792
       Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL
2                         Authorised and regulated by the Financial Services Authority.
Definitions
Any word defined below will carry the same meaning wherever it is shown in Your Policy in
bold print:

DEFINITIONS are listed in alphabetical order

Accidental         Sudden, unexpected and visible
Damage             damage which has not been caused
                   on purpose.

Application        The form signed by You which
Form               describes You, and details specific to
                   You or the property and all material
                   information relevant to the cover
                   which You have requested.

Buildings          The Home and its domestic
                   outbuildings, garages, greenhouses
                   all on the same site, patios, terraces,
                   drives, footpaths, walls, gates,
                   hedges and fences.

                                                             Property NOT covered:
Contents           All property including Valuables,         I Caravans, boats, motor vehicles,
                   Clothing, Personal Belongings                trailers, vessels, aircraft and their
                   and Money and Credit Cards in                respective parts or accessories
                   Your Home or its domestic                    while attached.
                   outbuildings or garages all on the        I Living creatures.
                   same site owned by any member of          I Securities, certificates other than
                   Your Household or for which they             savings certificates and
                   are responsible.                             documents.
                   Visitors’ Personal Belongings not         I Property used or held for business
                   otherwise insured. Contents shall            or professional purposes.
                   also include internal fixtures            I Property more specifically insured
                   (excluding conservatories and                by this or another policy.
                   greenhouses) installed by You.

                                                             Cards NOT covered
Credit Cards       Credit, cheque, bankers and cash          I Store loyalty cards.
                   debit cards which belong to You or        I Those held for any trade,
                   Your Household.                              professional or business purposes.




THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20                 3
                                                              Animals NOT covered:
    Domestic         Any cat or dog owned by You or any       I Whilst in quarantine.
    Animals          member of Your Household. If             I If they are used primarily for
                     more than one animal is insured the         showing, working or breeding.
                     terms, conditions and exclusions of      I If they are not owned solely
                     this section will apply to each as if       by You.
                     they had been insured separately.        I If they are 9 years or older.
                                                              I If they have any physical defect,
                                                                 illness or disease known to You
                                                                 or any member of Your
                                                                 Household when the policy was
                                                                 taken out or at renewal.
                                                              I Outside the British Isles.

    Endorsement      An agreed change in the terms (or a
                     change in details) of Your Policy.

    Excess           The amount set out in Your
                     Schedule which You pay for any
                     one incident resulting in a claim.

    Home             The private house, bungalow or self
                     contained flat at the address shown
                     in Your Schedule.

    Loss Adjuster    The firm that will handle Your claim
                     whose name is shown at the back of
                     this booklet.

                                                              Property NOT covered:
    Money            Cash, bank and currency notes,           I Securities, certificates other than
                     cheques, Money and postal orders,           savings certificates and
                     postage stamps (not part of a               documents.
                     collection), savings stamps and          I Property held for business or
                     savings certificates, premium bonds,        professional purposes.
                     luncheon vouchers, travellers            I Promotional vouchers, lottery and
                     cheques, telephone cards, season            raffle tickets.
                     travel tickets and gift tokens - used    I Air Miles Vouchers.
                     or held solely for private, social and
                     domestic purposes.

    Period of        The period starting and ending on
    Insurance        those dates shown in Your
                     Schedule and for any of the
                     following period but only if We
                     accept Your renewal premium.


4   THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20
                                                        Property NOT covered:
Personal         Property normally worn, used or        I Tools or instruments used or held
Belongings       carried about the person in everyday      for business or professional
                 life.                                     purposes.

Policy           The documents consisting of Your
                 Application Form, this policy
                 book, Your Schedule and any
                 Endorsements.

Schedule         The document which describes You,
                 the Sum Insured and any details of
                 Your Policy that are specific to
                 You.

Sum Insured      The amount for which Your
                 Contents are insured as shown in
                 Your Schedule or as notified to
                 You at renewal.

Unoccupied       Not lived in by You or any member
                 of Your Household or by any
                 other person with Your permission.

Valuables        Jewellery, watches, furs, pictures,
                 works of art, clocks, collections of
                 coins, medals or stamps and any
                 property made of precious metal.

We/Us/Our        Royal & Sun Alliance Insurance plc.

Wheelchairs      Wheelchairs and powerchairs which
                 are not licensed to use on the road
                 and cannot go faster than 8 mph.

You/Your/        Those named in Your Schedule as
Policyholder     the Insured.

Your             You and Your family (including
Household        Your partner and all children) who
                 normally reside with You.




THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20       5
    Cover for your Contents
    1. WHAT IS COVERED                                 We will NOT pay for the following:

       The Contents are insured against loss or        I The Excess shown in Your Schedule.
       damage by the following causes while they
       are in Your Home or its domestic
       outbuildings or garages all on the same site.

       a   Fire.                                       I Loss or damage caused by scorching without a
                                                         fire actually starting.

       b Explosion, Lightning, Earthquake.

       c   Smoke.                                      I Loss or damage caused by smog, agricultural or
                                                         industrial operations or anything that happens
                                                         gradually.

       d Water or oil escaping from any fixed          I Damage to any part or appliance from which
         water or heating installation or domestic       the water or oil escapes.
         appliance including fixed fish tanks.         I Loss or damage occurring after Your Home
                                                         has been Unoccupied for 35 days in a row.

       e   The Buildings being hit by an aircraft,     I Damage caused by any insect, vermin, bird or
           falling object or anything falling from       domestic animal.
           them, or by a vehicle, train or animal.

       f   Falling trees or branches.

       g Riot, Civil Commotion, Strike, Labour or
         Political Disturbance.

       h Malicious persons or vandals.                 I Loss or damage occurring after Your Home
                                                         has been Unoccupied for 35 days in a row.
                                                       I Loss or damage caused by You or Your
                                                         Household.
                                                       I Loss or damage while Your Home or any part
                                                         of it is lent or let to any persons other than a
                                                         member of Your Household or occupied by
                                                         paying guests unless force and violence is used
                                                         to gain entry into or exit from Your Home or
                                                         its domestic outbuildings or garages.

       i   Storm or Flood.                             I Damage caused by dampness or condensation.

       j   Subsidence or heave of the site             I Damage caused by new structures bedding
           beneath the Buildings, or Landslip.           down or newly made-up ground settling.
                                                       I Damage resulting from the movement of solid
                                                         floor slabs unless the foundations beneath the
                                                         outside walls of Your Home are damaged at
                                                         the same time.
                                                       I Damage caused by the river bank, river bed or
                                                         coast wearing away.
                                                       I Damage resulting from demolition or structural
                                                         repairs or alterations to the Buildings.
                                                       I Damage resulting from faulty workmanship,
                                                         defective designs or materials.

6   THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20
WHAT IS COVERED (continued)                           We will NOT pay for the following:

   k   Theft or attempted theft.                      I Theft of Money or Credit Cards unless force
                                                        and violence is used to get into or out of
                                                        Your Home.
                                                      I Loss or damage caused by You or Your
                                                        Household.
                                                      I Loss while Your Home or any part of it is lent
                                                        or let to any persons other than a member of
                                                        Your Household or occupied by paying
                                                        guests unless force and violence is used to gain
                                                        entry into or exit from Your Home or its
                                                        domestic outbuildings or garages.
                                                      I Loss of Money or Credit Cards from
                                                        domestic outbuildings or garages.
                                                      I Loss or damage occurring after Your Home
                                                        has been Unoccupied for 35 days in a row.
                                                      I Loss of clothes from a garden clothes line or
                                                        from a drying area.
                                                      I Use of Credit Cards by any of Your
                                                        Household without the permission of any
                                                        authorised cardholder.
                                                      I Loss which results from any authorised
                                                        cardholder not following the terms and
                                                        conditions under which the Credit Card
                                                        was issued.

2. ADDITIONAL COVER                                   We will NOT pay for the following:

   This Cover also provides insurance against:        I The Excess shown in Your Schedule.

   a   Rent and alternative
       Accommodation
       If Your Home is made uninhabitable
       by any of the causes listed in Section 1.
       What is Covered, We will pay the:
       I Rent which You have to pay for               I Costs which You incur without Our
           parts of Your Home which are unfit           permission.
           to live in.
       I Reasonable additional costs of
           comparable alternative accommodation
           until Your Home is fit to live in again.

   b Temporary Removal
     Loss of or damage to the Contents by             I Loss or damage caused by malicious persons
     any of the causes listed in Section 1. What        or vandals.
     is Covered while temporarily removed from        I Loss or damage by theft or attempted theft
     Your Home or its domestic outbuildings             unless force and violence is used to gain entry
     or garages:                                        into or out of a building.
     I into an occupied private dwelling or
         any building where any member of
         Your Household are living or
         carrying on their business within the
         British Isles for up to 30 days in a row.
     I into a bank safe deposit.



THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20                    7
                                                           We will NOT pay for the following:

                                                           I The Excess shown in Your Schedule.

       c   Reinstatement of Documents                  I Negotiable securities or negotiable bonds.
           The cost of replacing Deeds, Bonds,
           Securities or similar private documents if
           they are lost or damaged by any of the
           causes listed in Section 1. What is covered
           while in Your Home or lodged with Your
           Mortgage Lender, Bank or Solicitor.
               THIS POLICY DOES NOT COVER ACCIDENTAL DAMAGE, HOWEVER,
                       THE FOLLOWING ADDITIONAL COVER IS PROVIDED
       d Televisions, video players and                    I Loss or damage occurring after Your Home
         recorders, hi-fi systems, satellite                 has been Unoccupied for 35 days in a row.
         decoders and DVD players and                      I Mechanical or electrical breakdown
         computer equipment, mirrors,                      I Damage caused by putting together or taking
         ceramic hobs in cookers and fixed                   apart the apparatus.
         glass in furniture.                               I Damage to items designed to be portable
         We will pay for Accidental Damage to                (other than televisions and computer
         televisions, video players and recorders, hi-fi     equipment), recording tapes, discs or computer
         systems, satellite decoders, DVD players and        games.
         computer equipment in Your Home, and
         fixed aerials, masts and satellite dishes
         attached to Your Home. We will pay for
         accidental breakage of mirrors, ceramic
         hobs in cookers and fixed glass in furniture
         in Your Home.

       e   Deep Freezer Contents
           We will pay for loss or damage to food in a I Loss or damage because of the power
           domestic deep freezer in Your Home            supply authority deliberately cutting off or
           caused by a rise or fall in temperature or    withholding Your power supply.
           contamination from refrigerant or           I Loss or damage to food in Your deep freezer :
           refrigerant fumes.                            a) resulting from Accidental Damage
                                                            other than the causes listed on pages 6 to 7
                                                       I Loss or damage resulting from negligence by
                                                         You or any member of Your Household.

       f   Lost or Stolen keys
           Replacement and installation of locks of any I Any theft that has not been reported to the
           external door of Your Home or burglar          police within 24 hours (You must obtain a
           alarm keyswitch if the keys have been lost     crime reference number).
           or stolen.

       g Temporary Increase in the Sum
         Insured
         During the month of December the
         Contents Sum Insured is increased by
         10% to cover Christmas gifts
         During the period thirty days before and
         thirty days after the wedding day of any
         member of Your Household normally
         residing or previously residing with You the
         Contents Sum Insured is increased by
         10% to cover wedding gifts.
8   THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20
                                                      We will NOT pay for the following:

                                                      I The Excess shown in Your Schedule.

   h Metered water and oil for heating
     We will pay You for loss of metered water        I Loss or damage occurring after Your Home has
     or oil if the loss is caused by Accidental         been Unoccupied for 35 days in a row.
     Damage to Your fixed domestic water or
     heating installation.

   i   Bogus Officials
       We will pay for the theft of Money             I Any theft that has not been reported to the police
       following illegal entry into Your Home by        within 24 hours (You must obtain a crime
       a person/persons falsely claiming to be an       reference number).
       official.

   j   Contents in the open
       Loss of or damage to Your Contents
       while in the open on the land belonging to
       Your Home and on communal areas
       attached to Your Home caused by:

       Fire                                           I Loss or damage caused by scorching without
                                                        a fire actually starting.

       Explosion, lightning, earthquake.

       Smoke.                                         I Loss or damage caused by smog, agricultural
                                                        or industrial operations or anything which
                                                        happens gradually.

       Oil escaping from a fixed storage tank.

       The Buildings being hit by an aircraft,        I Damage caused by any insect, vermin, bird or
       flying object or anything falling from them,     domestic animal.
       or by a vehicle, train or animal.

       Falling trees or branches.

       Riot, civil commotion, strikes, labour or
       political disturbances

       Malicious persons or vandals.                  I Loss or damage occurring after Your Home
                                                        has been Unoccupied for 35 days in a row.
                                                      I Loss or damage caused by You or Your
                                                        Household.

       Storm or flood.                                I Damage caused by dampness or
                                                        condensation.

       Theft or attempted theft.                      I Theft of Money or Credit Cards.
                                                      I Loss or damage caused by You or Your
                                                        Household.
                                                      I Loss while Your Home or any part of it is lent
                                                        or let to any people other than a member of
                                                        Your Household or lived in by paying guests.
                                                      I Loss or damage occurring after Your home
                                                        has been Unoccupied for 35 days in a row.
THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20                      9
                                                          We will NOT pay for the following:

                                                          I The Excess shown in Your Schedule.

        k   Students possessions                          I Loss or damage if the premises where Your
            Loss of or damage by any of the causes          Contents are temporarily kept are left for
            listed in Section 1 to the Contents of          more than 35 days in a row without any person
            students in Your Household while                residing or living there.
            temporarily removed from Your Home or         I Loss or damage by theft or attempted theft
            its domestic outbuildings or garages to:        unless force and violence is used to get into or
            - an occupied private dwelling; or              out of a building.
            - any other building;                         I Loss or damage caused by malicious persons or
            where any member of Your Household              vandals.
             is living or studying, while they are away
            from Home at university, college or
            school within the British Isles.

        l   Trees and Shrubs
             We will pay for loss of or damage to
             Your trees, shrubs, plants, hedges and
             lawns on the land belonging to Your
             Home caused by:

            Fire, lightning, explosion, earthquake or     I Loss or damage caused by smog, agricultural or
            smoke.                                          industrial operations or anything that happens
                                                            gradually.
            Riot, civil commotion, strike, labour or
            political disturbance.

            Malicious persons or vandals.                 I Loss or damage occurring after Your Home
                                                            has been Unoccupied for 35 days in a row.
                                                          I Loss or damage caused by You or Your
                                                            Household.
                                                          I Loss or damage while Your Home or any part
                                                            of it is lent or let to any persons other than a
                                                            member of Your Household.

            Theft or attempted theft.                     I Loss or damage occurring after Your Home
                                                            has been Unoccupied for 35 days in a row.
                                                          I Loss or damage caused by You or Your
                                                            Household.
                                                          I Loss or damage while Your Home or any part
                                                            of it is lent or let to any persons other than a
                                                            member of Your Household.
            Being hit by an aircraft, falling object or
            anything falling from them, or by a vehicle
            or train.

        m Professional Removals
          We will pay for Accidental Damage or            I Loss or damage by mechanical, electrical or
          loss while a professional removal firm are        electronic fault or breakdown.
          moving Your Contents from Your                  I Damage to china, glass, pottery or other items
          Home directly to Your new permanent               of a similar nature which are fragile, unless they
          Home in the British Isles.                        have been packed by professional packers.
                                                          I Loss or damage while Your Contents are in
                                                            storage or being moved to or from storage.
                                                          I Loss of Money.

10   THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20
3. ACCIDENTAL DAMAGE EXTENSION TO HOUSEHOLD CONTENTS
   INSURANCE
   Accidental Damage insurance is an extension to household contents insurance. This section will
   only apply if You have chosen the Accidental Damage extension, and if it is shown on Your
   latest Schedule.
   WHAT IS COVERED                                 We will NOT pay for the following:
   We will pay for Accidental Damage to            I Damage to contact lenses.
   Your Contents while they are in Your            I Damage to food, drink and plants.
   Home or its domestic outbuildings or garages    I Damage to clothing.
   all on the same site.                           I Sporting equipment whilst in use.
                                                   I Damage by any cover listed elsewhere in the
                                                     Contents section and damage which is
                                                     specifically excluded under that cover.
                                                   I Damage as a result of household removal.
                                                   I Damage arising from loss in value or
                                                     consequential loss.
                                                   I Damage caused by scratching, denting, wear
                                                     and tear, rot, fungus, insects, vermin,
                                                     woodworm, moths, frost, weather conditions,
                                                     fading, dyeing, any process of cleaning or
                                                     restoring, anything that happens gradually,
                                                     maintenance, repair or dismantling, electrical or
                                                     mechanical breakdown or faulty workmanship,
                                                     design or materials.

4. PERSONAL BELONGINGS
   Personal Belongings insurance is an extension to household contents insurance. This section will
   only apply if You have chosen the Personal Belongings extension, and if it is shown on Your
   latest Schedule.
   WHAT IS COVERED                                 We will NOT pay for the following:
                                                   I The Excess shown in Your Schedule.
                                                   I Loss or damage to:
   We will pay for loss or damage to Personal        - motor vehicles, mechanically propelled or
   Belongings, pedal cycles (including                 assisted vehicles, aircraft, trains and boats,
   accessories) and sports equipment which are         gliders, hang-gliders, wetbikes, hovercraft and
   owned by any member of Your Household               other mechanically propelled or assisted
   or for which they are responsible. They are         watercraft, caravans, trailers or parts or
   insured against loss or damage in the British       accessories for any of them whether attached
   Isles and temporarily elsewhere within the          or detached
   European Union while in the possession of any     - furs or guns
   member of Your Household.                         - individual charms unless soldered to the
                                                       bracelet
                                                     - sports equipment whilst in use
                                                     - contact or corneal lenses, hearing aids and
                                                       dentures
                                                     - musical instruments
                                                     - anything used for any trade, professional or
                                                       business purposes
                                                     - china, glass, pottery and any other items of a
                                                       similar nature which are fragile.
                                                   I Loss or damage by domestic pets.
                                                   I Loss or damage by mechanical, electrical or
                                                     electronic breakdown, delay, confiscation or
                                                     detention by customs or other official bodies.
THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20                  11
        WHAT IS COVERED (continued)                      We will NOT pay for the following:

                                                         I The Excess shown in Your Schedule.

                                                         I Theft from motor vehicles unless at the time of
                                                           the loss or damage:
                                                           - someone aged 16 or over was in the motor
                                                              vehicle; or
                                                           - the motor vehicle was securely locked; and
                                                           - force and violence were used to get into the
                                                              motor vehicle; and
                                                           - the items stolen were out of sight in a locked
                                                              luggage boot, luggage or glove compartment.
                                                         I Loss or damage in Your Home when Your
                                                           Home has been Unoccupied for 35 days in a row.
                                                         I Loss or damage in Your Home by theft,
                                                           malicious acts or vandalism while Your Home
                                                           or any part of it is lent or let to any people
                                                           other than a member of Your Household or
                                                           lived in by paying guests unless force and
                                                           violence is used to get into or out of Your
                                                           Home or its domestic outbuildings or garages.
                                                         I Loss by deception unless the only deception is
                                                           someone tricking their way into Your Home.
                                                         I Money, credit cards, securities and documents
                                                           of any kind.
                                                         I Loss or damage to a pedal cycle used for racing,
                                                           pace making, taking part in speed or reliability
                                                           trails or while practising for any of them.
                                                         I Loss of a pedal cycle when left in a public place
                                                           without being attached by a chain and padlock
                                                           or other equivalent security device to a
                                                           permanently fixed structure.
                                                         I Theft of pedal cycle accessories unless the
                                                           pedal cycle is stolen at the same time.
                                                         I Loss or damage after Your Personal
                                                           Belongings, pedal cycles and valuable items
                                                           have been outside the United Kingdom, the Isle
                                                           of Man and the Channel Islands for a total of
                                                           more than 14 days in any Period of Insurance.

     5. HEARING AIDS AND WHEELCHAIRS
        Hearing Aids and Wheelchairs insurance is an extension to household contents insurance. This
        section will only apply if You have chosen the extension, and if it is shown on Your latest Schedule.

        WHAT IS COVERED                                  We will NOT pay for the following:
                                                         I The Excess shown in Your Schedule.

        We will pay for loss or damage to Hearing Aids I Anything used for any trade, professional or
        and Wheelchairs which are owned by any           business purposes.
        member of Your Household or for which          I Loss or damage by domestic pets.
        they are responsible. They are insured against I Loss or damage by mechanical, electrical or
        loss or damage in the British Isles and          electronic breakdown, delay, confiscation or
        temporarily elsewhere within the European        detention by customs or other official bodies.
        Union while in the possession of any member
        of Your Household.
12   THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20
   WHAT IS COVERED (continued)                         We will NOT pay for the following:

                                                       I The Excess shown in Your Schedule.

                                                       I Theft from motor vehicles unless at the time of
                                                         the loss or damage:
                                                         - someone aged 16 or over was in the motor
                                                             vehicle; or
                                                         - the motor vehicle was securely locked; and
                                                         - force and violence were used to get into the
                                                             motor vehicle; and
                                                         - the items stolen were out of sight in a locked
                                                             luggage boot, luggage or glove
                                                             compartment.
                                                       I Loss or damage in Your Home when Your
                                                         Home has been Unoccupied for 35 days in
                                                         a row.
                                                       I Loss or damage in Your Home by theft,
                                                         malicious acts or vandalism while Your Home
                                                         or any part of it is lent or let to any people other
                                                         than a member of Your Household or lived in
                                                         by paying guests unless force and violence is
                                                         used to get into or out of Your Home or its
                                                         domestic outbuildings or garages.
                                                       I Loss by deception unless the only deception is
                                                         someone tricking their way into Your Home.
                                                       I Loss or damage after Your Hearing Aid or
                                                         Wheelchair have been outside the United
                                                         Kingdom, the Isle of Man and the Channel
                                                         Islands for a total of more than 14 days in any
                                                         Period of Insurance.

6. TENANTS LIABILITY COVER
   We insure You for all sums which You are
   liable to pay under the Terms of Your tenancy
   agreement for:
   a Buildings
       Damage to the Buildings, including
       external glazing, by any of the causes listed   I Loss or damage arising from Fire, Subsidence,
       in Section 1. What is Covered.                    Heave or Landslip.
   b Decorations
     Damage to the internal decorations of the
     Buildings from any of the causes listed in
     Section 1. What is Covered.
   c   Accidental breakage of sanitary ware fixed
       to and forming part of Your Home

7. ACCIDENTAL DEATH
   We insure You or any member of Your
   Household against death provided that death
   occurs within 3 months and arising directly out
   of one of the following incidents:
   a an accident, assault or fire occurring in or
       about the Buildings

THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20                         13
        WHAT IS COVERED (continued)                      We will NOT pay for the following:

                                                         I The Excess shown in Your Schedule.

         b an accident while travelling as a fare
           paying passenger by train, bus or taxi
         c an assault in the street

         providing the incident occurs within the
         British Isles and during the Period of
         Insurance.

     8. DOMESTIC ANIMALS
         This cover provides insurance against:          I Slaughter without Our consent unless
         a Death resulting from an accident                immediate slaughter on humane grounds is
             sustained in the British Isles during the     considered necessary by a veterinary surgeon.
             Period of Insurance.                        I Breeding.
                                                         I Death as a result of surgery not necessitated by
                                                           accidental bodily injury nor necessary to save
                                                           the insured animals life.

     9. CLAIM SETTLEMENT FOR THE CONTENTS COVER
         Provided the loss or damage is covered under Your Policy, We will settle Your claim as
         explained below, subject to the maximum amount payable.

         1 If an item can be economically repaired We will pay the cost of repair or arrange for repairs to
           be carried out. Otherwise, We will replace it with a new item if We choose, or We will pay
           the replacement cost of a new item of similar quality, except for clothing and household linen.
           For clothing and household linen We may take off an amount for wear and tear.

         2 If, when the loss or damage happens, the Sum Insured is less than the cost of replacing all
           the Contents as new We will only pay for part of the loss or damage. For example, if your
           Sum Insured is only half of what it should be, We will only pay half of Your claim.

         We will take off any Excess shown in Your Schedule from any amount We pay You to settle
         Your claim.

     10. CLAIMS SETTLEMENT FOR THE PERSONAL BELONGINGS,
         WHEELCHAIRS AND HEARING AIDS COVER
         Provided the loss or damage is covered under Your Policy, We will settle Your claim as
         explained below, subject to the maximum amount payable as shown on Your Schedule.

         If an item can be economically repaired We will pay the cost of repair or arrange for repairs to be
         carried out. Otherwise, We will replace it with a new item if We choose or We will pay the
         replacement cost of a new item of similar quality, except for clothing and household linen. For
         clothing and household linen We may take off an amount for wear and tear.

         We will take off any Excess shown in Your Schedule from any amount We pay You to settle
         Your claim.




14   THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20
    MAXIMUM AMOUNT PAYABLE
    The most We will pay for any one incident is as follows:
    1 Contents                                            - the Sum Insured (less any Excess)
                                                            subject to the following limits
       i       Valuables in total                         - 1/3 of the Sum Insured on Contents
       ii      Any one Valuable                           - £1250
       iii     Money and Credit Cards                     - £500
       iv      Satellite dishes                           - £250
       v       Reinstatement of documents                 - £200
       vi      Visitors Personal Belongings               - £250
       vii     Lost or Stolen Keys                        - £500
       viii    Rent and Alternative Accommodation         - 20% of the Sum Insured on Contents
       ix      Tenants Liability                          - 20% of the Sum Insured on Contents
       x       Accidental Death                           - £5000
       xi      Bogus Officials                            - £200
       xii     Tenants Improvements                       - 20% of the Sum Insured on Contents
       xiii    Contents in domestic garages owned/        - £2000
               rented by Your Household within the
               British Isles
       xiv     Metered water and oil for heating          - £1000
       xv      Contents in the open                       - £250
       xvi     Students Possessions                       - £2000
       xvii    Trees and Shrubs                           - £250
       xviii   Personal Belongings                        - The sum insured shown on Your
                                                            Schedule subject to a single article limit
                                                            of £250
       xix Wheelchairs                                    - The sum insured shown on Your
                                                            Schedule
       xx      Hearing Aids                               - The sum insured shown on Your
                                                            Schedule

    2 Theft of Contents in domestic                       - The amount payable will be the lower
      outbuildings or garages                               of £2000 or the amount shown in
      all on the same site.                                 paragraphs i-vii above.

    The Sum Insured on Contents will not be reduced following payment of a claim.

11. CLAIMS SETTLEMENT FOR THE DOMESTIC ANIMALS COVER
    We will pay the cost of replacing the insured
    animal with another of the same breed, sex
    and pedigree as the insured animal.

    The maximum amount payable is £200.




THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20                  15
     12. THIRD PARTY LIABILITY                          We will NOT pay for liability arising directly or
                                                        indirectly from any of the following:

         We will provide insurance for any amounts      I Any injury, death or disease to any member of
         which You or any member of Your                  Your Household other than Your domestic
         Household legally have to pay                    employees.
         for causing:
                                                        I Loss of or damage to property any member of
         I Accidental bodily injury, death or disease     Your Household owns or looks after.
           to any person.
                                                        I Any agreement unless You would have had
         I Accidental loss of or damage to physical       the liability if the agreement did not exist.
           property.
                                                        I Any member of Your Household’s
         We will only pay this if it arises out of        employment, business or profession.
         You or Your Household:
         a   living in (but not owning) the             I Any member of Your Household passing on
             Buildings or the land belonging to           any disease or virus.
             Your home;
                                                        I Mechanically or electronically propelled vehicles
         b    being a Neighbourhood or Home               other than motorised gardening equipment and
              Watch co-ordinator; or                      wheelchairs.

         c    being in any other personal capacity in   I Injury, death, disease or damage arising out of;
              the British Isles or anywhere in the
              world during a temporary visit.              a) Your Household owning land or
                                                              buildings;
         Limit
                                                           b) Any member of Your Household living on
         We will pay:                                         land or buildings other than the Buildings
                                                              or the land belonging to Your Home;
         I up to £2,500,000 for any incident not
           involving domestic employees plus any           c) Using horses for racing or steeplechasing;
           other reasonable costs, expenses and
           solicitor’s fees which You or any               d) Lifts (other than stairlifts), boats, aircraft or
           member of Your Household have to                   caravans any member of Your Household
           pay, as long as We agree by letter.                owns or looks after.

         I up to £5,000,000 for any incident
           involving liability to any of Your
           Household’s domestic employees plus
           any other reasonable costs, expenses and
           solicitor’s fees which You or any member
           of Your Household have to pay, as long
           as We agree by letter.

        If You or any member of Your
        Household claiming dies, Your legal
        representatives will have the protection of
        this cover.




16   THE CONDITIONS AND EXCLUSIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 17-20
Conditions which apply to
Your Whole Policy
1 Eligibility
  You must be a Tenant of the Council to be eligible for this insurance Policy. Should You
  cease to be a Tenant, You will no longer be eligible for this insurance and cover provided by
  this Policy will cease. You must make alternative insurance arrangements.

2 Notification of a Claim
  You must obtain a claim form from Your local housing office / one stop centre. If there has
  been theft or attempted theft, vandalism or malicious damage, You must tell the Police
  within 24 hours of discovering the loss or damage and ask for an incident number.

   You must complete the claim form and forward it to the address shown on the claim form as
   soon as possible.

   We will not pay for any claim which You do not send to the Loss Adjuster within 60 days
   of the event.

3 Rights and Responsibilities
  We may need to get into a building that has been damaged to save anything We can and to
  make sure no more damage happens. You must help Us or the Loss Adjuster to do this but
  You must not leave Your property with Us as Our responsibility.

   Any writs, summons, other legal documents or letters of claim must be sent to Us or to the
   Loss Adjuster as soon as possible. You must not admit, settle, reject, negotiate or promise
   to pay any claim without Our written permission. We will not unreasonably hold back Our
   permission.

   We have the right, at Our expense and in Your name to:
   -take over the defence or settlement of any claim; or
   -start legal action to get compensation from anyone else; or
   -start legal action to get back from anyone else any payments that have already been made.

   You must give Us or the Loss Adjuster, and pay for, all the information We or they
   reasonably ask for about the claim, including written estimates and proof of ownership and
   value. Do not dispose of any damaged items until We or the Loss Adjuster have had the
   opportunity to inspect them. You must also help Us to take legal action against anyone or
   help Us defend any legal action if We ask You to.

4 Fraud
  If any claim is fraudulent or if Your Household or anyone acting for Your Household is
  dishonest in claiming any benefit under Your Policy, You will lose all benefits under Your
  Policy.

                                                                                                  17
     5 Changes in your circumstances
       When You arranged Your insurance You told Us certain material facts. You must tell Us
       straight away about any of the following changes:
       - A permanent change of address.
       - If someone lives in Your Home other than You or Your Household.
       - If the Home is used for any business or professional purposes.
       - If Your Home is Unoccupied for more than 35 days in a row.
       - Work on the Home other than routine maintenance or decoration.
       - If You or any member of Your Household is convicted of any offence other than parking
         or speeding offences or offences which are spent under the Rehabilitation of Offenders Act
         1974.
       - Any change in the Sum Insured.
       - If You stop being a tenant of the Council.
        If You do not tell Us about any changes in these facts, You may not be covered in the event
        of a claim or Your cover may be affected.

     6 Taking Care
       You and any member of Your Household must take all reasonable steps to prevent or
       minimise loss, damage or accident and maintain the insured property in a sound condition
       and good repair.

     7 Payment of Premiums
       You should make sure You pay every premium on time.
        If You miss a payment, We may not pay a claim. If You are more than 6 weeks late, The Council
        will cancel Your Policy. The Council will give You 14 days notice at Your last known address.

     8 Cancelling the Policy
       You may cancel Your Policy by giving the Council 14 days notice in writing. The Council
       will confirm cancellation in writing. If You do not receive written confirmation of cancellation
       it may mean Your cover has not been cancelled so You should contact the Council. You
       may have to continue to pay premiums until You receive an acknowledgement.
        If having examined Your Policy You decide not to proceed with the insurance, You will
        have 14 days to cancel it starting on the day You receive the Policy documentation.
        On receipt of Your written notice, We will refund any premiums already paid, unless We
        have already been notified of a claim.
        We may cancel Your Policy by giving You at least 14 days notice at Your last known
        address.
        If We cancel Your Policy We may refund premium paid for the remainder of the current
        period of insurance.

     9 Other Insurances
       If a claim is covered under Your Policy and this claim is covered by any other insurance, We
       will only pay Our share of the claim.

     10 Transferring your Interest in the Policy
        You cannot transfer Your interest in the Policy to anyone else unless You have obtained
        Our written permission.
18
Exclusions which apply to
Your Whole Policy
We will not pay for:

1 Matching of Items
  The cost of replacing any undamaged item or parts of items forming part of a set, suite,
  carpet or other articles of a similar nature, colour or design where the remaining item or items
  are still usable and the loss or damage occurs:
  - within a clearly identifiable area or to a specific part and
  - replacements cannot be matched.

2 Existing and Deliberate Damage
  - Any loss or damage occurring before cover starts or arising from an event before cover starts.
  - Loss or damage caused deliberately by You or any member of Your Household.

3 Loss of Value
  Depreciation or loss in value of property.

4 Wear and Tear, Maintenance, Breakdowns, Leaks and Gradually
  Operating Causes
  - Wear and tear, rusting or corrosion
  - Fungus, mildew or any other gradually operating cause
  - Frost (other than bursting of water tanks, pipes or appliances caused by freezing),
    atmospheric or climatic conditions
  - Damage caused by cleaning, repairing, restoring or renovating
  - The cost of maintenance and normal redecoration
  - Failure of double glazing seals.

5 Rot
  Any loss or damage caused by wet rot or dry rot whether or not this was caused directly or
  indirectly by any other risk included in this insurance.

6 Consequential Losses
  Consequential loss of any kind or description incurred by You or any member of Your
  Household.

7 Property More Specifically Insured
  Property more specifically insured by another policy.

8 Telling us about claims
  Any claim which You do not send to the Loss Adjuster within 60 days of the event.




                                                                                                     19
     9 Radioactive Contamination
       Any loss or damage to property, liability, expense, consequential loss or injury caused by or
       arising from:
           a ionising radiation or radioactive contamination from any nuclear fuel or waste which
              results from the burning of nuclear fuel; or
           b the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or
              any part of it.

     10 War Risks
        Any loss or damage by any sort of war, invasion or revolution.

     11 Sonic Bangs
        Loss or damage caused by pressure waves from aircraft or other flying objects travelling at or
        above the speed of sound.

     12 Confiscation
        Loss or damage caused by nationalisation or confiscation by any authority.

     13 Dangerous Dogs Act 1991
        Liability arising directly or indirectly from injury, death, disease (other than to a domestic
        employee) or damage caused by any dog of a type to which Section 1 (1) of the Dangerous
        Dogs Act 1991 applies.

     14 Programme Failure of Computer Chips or Computer Software
        Any loss or damage caused directly or indirectly by:
        - failure of the programming of computer chips or computer software to correctly recognise
           any date;
        - computer viruses.
           This exclusion applies only to anything, insured by this Policy, which has in it the
           computer chip or computer software which is affected by the failure or virus.

     15 Terrorism
        Any loss, damage, liability, cost or expense of any kind directly or indirectly caused by,
        resulting from or in connection with any act of terrorism.
        For the purpose of this exclusion, ‘terrorism’ means the use, or threat of use, of biological,
        chemical and/or nuclear force or contamination by any person(s), whether acting alone or on
        behalf of or in connection with any organisation(s) or government(s), committed for political,
        religious, ideological or similar purposes including the intention to influence any
        government(s) or put any section of the public in fear.

     16 Pollution or contamination
        Any claim or expense of any kind resulting directly or indirectly from pollution or
        contamination which:
        - was the result of an intentional act; or
        - was expected or should have been expected; or
        - was not caused by a sudden incident; or
        - was not during any Period of Insurance.
20
Legal Helpline
This service is operated by FirstAssist Services Limited on behalf of Us and will provide
You with advice on a private problem relating to the laws of the United Kingdom.

It is available 24 hours a day.

Your Helpline number is:




           0845 330 8022
                                  Ref. 33962



Your Helpline does not provide :

-   Advice relating to business affairs

-   Advice which cannot be reasonably provided over the telephone.




                                                                                            21
     Making a Claim
     This does not form part of this Policy
     ‘What do I do if my property is lost or damaged?’
     Naturally we hope you won’t have any accidents or misfortune, but if you do, the following
     advice might be useful.
     I First of all, look at your policy to check that the loss or damage is covered. Look at the cover
       provided in this booklet to see precisely what is provided. Read carefully any exclusions or
       conditions that may apply.
     I Remember that your policy does not cover any loss or damage which has been caused purely
       by wear and tear - it is not a maintenance contract. Remember too that the amount you are
       entitled to claim may be reduced if your property has not been properly maintained or the
       sum insured is inadequate.
     I Contact your local housing office / one stop centre for a claim form. When this is completed,
       please return it to the Loss Adjuster to deal with your claim.
     I Please do not dispose of damaged items before the Loss Adjuster has had the opportunity to
       inspect them.
     I Report any incident involving theft, attempted theft, malicious damage or vandalism to the
       Police within 24 hours of discovering the loss or damage and ask for an incident number.
     I If someone has an accident which might give rise to a claim against you for any injury to
       them or damage to their property, you must send the Loss Adjuster full details in writing as
       soon as possible. Any letters or legal documents you receive should be sent to the Loss
       Adjuster, unanswered, without delay. It is most important that you leave the insurer to deal
       with the matter on your behalf and do not get involved in any correspondence or
       conversation with the other person.

     ‘How will the Loss Adjuster deal with my claim?’
     Depending on the type of claim and the value involved the Loss Adjuster may:
     I Contact you by telephone or letter to progress your claim.
     I Require you to produce reasonable evidence to support your claim such as proof of purchase
       for example, receipts or operating manuals of electrical appliances.
     I Some items such as carpets, soft furnishings etc may often be capable of cleaning or repair.
       Contact the Loss Adjuster who will make the necessary arrangements for specialist
       attention.
     I If an item is lost or damaged beyond repair, the Loss Adjuster has a nationwide network of
       suppliers who can provide a fast and efficient replacement service and the Loss Adjuster will
       make the necessary arrangements.
     Our aim is to deal with your claim promptly and fairly. At all times we will try to provide you with
     the highest standard of service - if you have any comment or complaint or if our service has not
     met your expectations please let us know.

22
Some useful addresses and
telephone numbers
    THE INSURER
    Royal & Sun Alliance Insurance plc
    Household Operations
    PO Box 4162
    17 York Street
    Manchester
    M2 3RS

    Tel: 0845 0700693

    THE LOSS ADJUSTER
    Direct Group Property Services
    Direct House
    Lacy Way
    Lowfields Business Park
    Elland
    Halifax
    HX5 9DB

    Tel: 08456 718171

   THE SCHEME IS MANAGED BY

   West North West Homes Leeds                     East North East Homes Leeds
   Westfield Chambers                              Tribeca House
   Lower Wortley Road                              71 Roundhay Road
   Leeds                                           Leeds
   LS12 4PX                                        LS7 3BE

   Aire Valley Homes Leeds                         Belle Isle Tenant Management
   Ground Floor, Navigation House                  Organisation
   8 George Mann Road                              Aberfield Gate
   Leeds                                           Belle Isle
   LS10 1DJ                                        Leeds
                                                   LS10 3QH

 For Your protection telephone calls may be recorded and may be monitored.




                                                                                  23
     Complaints Procedure
     Our commitment to service

     At Royal & SunAlliance, we are committed to going the extra mile for our customers and
     wherever possible, exceeding their expectations. If you believe that we have not delivered the
     service you expected or you are concerned about any aspect of the service we have provided,
     then please let us know at;

             Royal & Sun Alliance Insurance plc
             Household Operations
             PO Box 4162
             17 York Street
             Manchester
             M2 3RS

             Telephone: 0845 071 0143


     We promise to:

     I Fully investigate your complaint
     I Keep you informed of progress
     I Do everything possible to resolve your complaint
     I Learn from our mistakes
     I Use the information from your complaint to proactively improve our service in the future.

     We aim to resolve your concerns within 24 hours. Experience tells that most difficulties can be
     sorted within this time.

     In the unlikely event that your concerns have not been resolved within this time, we will issue a
     letter acknowledging your complaint, letting you know the reasons why and we will continue to
     keep you well informed of the further actions we will be taking to reach a suitable conclusion.

     If you continue to be unhappy with our proposed course of action, you can progress your
     complaint with our Customer Relations Team who will conduct a separate investigation and full
     review, that will be concluded by us issuing a final response letter.




24
How to contact us;

Customer Relations can be contacted by:

Telephone: 0800 107 6160

Write: Royal & SunAlliance
       Customer Relations Office
       Bowling Mill
       Dean Clough Industrial Park
       Halifax
       HX3 5WA

        Fax:          01422 325146
        Email:        halifax.customerrelationsoffice@uk.royalsun.com

If you are still not happy

If you are still not satisfied after the review, or you have not received a written offer of resolution
within 8 weeks of the date we received your complaint, Royal & SunAlliance are regulated by the
Financial Services Authority whose arbitration service is the Financial Ombudsman Service and
you can refer your complaint to them.

They can be contacted at:

        Financial Ombudsman Service
        South Quay Plaza
        183 Marsh Wall
        London
        E14 9SR

        Telephone: 0845 080 1800
        Email:      complaint.info@financial-ombudsman.org.uk
        Website:    www.financial-ombudsman.org.uk

You must approach the Financial Ombudsman Service within 6 months of our final response to
your complaint. We will remind you of the time limits in our final response.

Your rights as a customer to take legal action remains unaffected by the existence or use of any
complaint procedures referred to above. However, the Financial Ombudsman Service will not
adjudicate on any cases where litigation has commenced.

Thank you for your feedback

We value your feedback and at the heart of our brand we remain dedicated to treating our
customers as individuals and giving them the best possible service at all times. If we have fallen
short of this promise, we apologise and aim to do everything possible to put things right.

                                                                                                          25
                         Royal & Sun Alliance Insurance plc No. 93792
Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL
                 Authorised and regulated by the Financial Services Authority.
                                                                                   TC0421A 08/08

								
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